Protecting You, Protecting Your Family
Insurance is about more than protecting your assets. It helps to protect your ability to earn income and provide for your loved ones. We offer a wide range of individual insurance solutions to help meet your needs and objectives.
Major Medical Insurance
If something goes wrong, you need a plan in place that you can rely on. Major medical insurance covers many medical costs in the event of an illness or injury. It may also cover some preventive and routine healthcare expenses.
Medicare Insurance
If you have Medicare, you may have realized that there’s a lot it doesn’t cover. Additional policies can help to supplement your Medicare coverage and extend your healthcare options.
- Medicare Advantage plans (sometimes called “Part C”) are offered by private companies. They work similarly to private health insurance. There may be network providers, co-pays, and required referrals. We can help you understand your plan.
- Medicare Supplement plans (sometimes called “Medigap”) may help to cover some of your copay, coinsurance, or deductibles. They have certain requirements, so we’ll educate you on the details.
- Prescription Drug Coverage (sometimes called “Part D”) may be included in a Medicare Advantage plan or another plan, but sometimes you may need a separate plan to cover medications. We can help you with the information you need to make an informed choice.
Dental and Vision
The cost of dental and vision care can be extreme, especially with complex dental procedures or specialized vision perscriptions. Dental and vision coverage can provide affordable insurance to help defray some of these costs.
Dental Insurance
Dental insurance, much like medical insurance, may have network providers, co-pays, deductibles, and exclusions.
Vision Insurance
Vision insurance may or may not cover corrective lenses or procedures. We can help you select the appropriate plan.
Life Insurance
Life insurance helps to provide for your loved ones if something happens to you. It can be used to pay off debt, replace your income, or supplement your estate.
Term Life
Term life may offer you an affordable life insurance option. These plans typically provide coverage for a specified time period.
Universal Life
Universal life insurance is a permanent life insurance product paired with an investment vehicle that can earn interest while you pay premiums.
Whole Life
Whole life insurance policies last until the end of your life and usually pay out a fixed amount to your heirs or your estate when you die.
Linked-Benefit
Linked-benefit life insurance policies combine a life insurance product with a long-term care insurance rider, offering dual protection.
Long-Term Care Insurance
The professionals at Financial Technology, Inc. bring together a wide range of experience in the fields of financial planning, employee benefit plans, investments, and pension trust administration.
Long-term care insurance can help defray the cost of care if you’re elderly or disabled and unable to care for yourself. This may include in-home nursing care or supportive care, or it may include care in a skilled nursing facility or assisted living facility.
Traditional long-term care insurance pays for long-term care expenses, whereas an asset-based long-term care policy may be linked to a life insurance policy.
Disability Insurance
If you’re injured or ill and cannot work, disability insurance can supplement your income while you’re out of work.
Short-Term Disability
Short-term disability plans cover you for a short period of time following an illness or injury that keeps you out of work.
Long-Term Disability
These plans provide income replacement if you become unable to work due to an illness or injury, so you can meet your financial obligations.
Ancillary Products
When you have specific needs and concerns, you need specialized insurance.
We offer a wide range of ancillary products tailored to specific needs and concerns. For example, we have policies to help provide coverage for critical illnesses like cancer, hospitalization, and accidents that occur during travel.
